ManipalCigna Lifetime Health Plan

Overview

ManipalCigna Lifetime Health Insurance is a reliable health insurance plan that prioritizes your healthcare needs. It offers a multitude of comprehensive benefits for domestic and global healthcare expenses. The ManipalCigna Lifetime Health Plan offers high sum insured options, ranging between Rs. 50 Lakh and Rs. 3 Crore, which you can choose as per your requirements for coverage in India and abroad. ManipalCigna Lifetime Health offers coverage on an individual as well as family floater basis. The plan offers two variants: Lifetime Health India Plan and Lifetime Global Plan.

The plan covers you at every stage of life with benefits such as medical and surgical expenses incurred due to treatment of any disease or injury. ManipalCigna Lifetime Health also offers AYUSH treatment expenses, organ donor expenses, mental healthcare, modern and advanced treatment, HIV/AIDS and STD coverage, etc. ManipalCigna Lifetime Health is an excellent choice to cover yourself and your family members. The policy offers terms of 1, 2, or 3 years.

ManipalCigna Lifetime Health Plan Benefits

Optional Covers

Offers enhanced protection with additional coverage options, allowing you to customize your plan as per your needs.

Tax Benefits

Premiums paid for this plan are eligible for tax benefits under Section 80D of the Income Tax Act, 1961.

Discounts

The plan offers a 5% discount from the 4th to the 7th policy year, and a 10% discount from the 8th policy year onwards.

ManipalCigna Lifetime Health Plan Waiting Periods

The ManipalCigna Lifetime Health Plan includes specific waiting periods before certain medical conditions and treatments become eligible for claims. These waiting periods are standard in health insurance and begin from the policy inception date. Understanding them helps policyholders know when different benefits become available under the plan.

• The plan has an initial waiting period of 30 days for all illnesses from the policy start date. However, accidental hospitalizations are covered from day one.
• Pre-existing diseases are covered after 36 months of continuous policy coverage, although some variants of the plan may offer a 24-month waiting period depending on the policy terms.
• Specific diseases and medical procedures have a waiting period of 24 months before they become eligible for claims.
• Coverage for listed critical illnesses begins after a 90-day waiting period from the policy inception date.
• Maternity benefits are available only after completing the waiting period specified in the policy document.
• Coverage for pre-existing HIV/AIDS conditions is subject to a 30-day waiting period.

Exclusions

Permanent Exclusions

• Hospitalization due to war, riot, strike, or nuclear weapons
• Intentional self-injury
• Miscarriage and abortion
• Congenital disease
• Infertility and in vitro fertilization

Exclusions with Specific Waiting Periods

• Listed ailments: 24 Months
• Pre-existing diseases: 24 Months